The Risk Management And The Functions To Collocate The Interior Resource Of The Financial Company's E-Bank

As an important kind of modern economic organization, enterprise groups reflect a nation's efficiency all over the world. It is one of the most important strategies to establish a set of enterprise groups provided with international efficiency.Our country has entered WTO, and the international competition among enterprise groups is increasingly keen. This competition is in essence the bout of the core capacity of competition, and the financial control is the effective guarantee to improve the core capacity of competition. Surveying the financial control of our nation's enterprise groups, it exist several "deadly hurts", such as illogical resource collocation, slow-and-distorted information flow, and distempered beforehand risk alarm, etc, which thereby cause the problems hereinafter: the interior capital resource is collocate illogically; the group's credit rank is low in the financial institution; the group's capital management is disordered; the financial fees of the whole group is too high to be reduced. Because of the above problems, the group's economic resource can not be collocated logically, and the enterprise group can not exert its cooperation effect, so the enterprise group is not able to manage continuous and advance healthy.The behavior above is in breach of the fundamental aim at establishing enterprise groups. In some sense, the scale-up neither makes the best of the increasing resource, nor improves the running efficiency of enterprise groups. The financial company aims at improving the employed efficiency of the centralized fund management. It possesses a unique superiority, which has been aware and used by more and more enterprise groups, to realize the financial centralization, to exert the fund scale-up benefit, and to control risks over other kinds of settlement centers.Since People's Bank of China authorized the first financial company in 1987, the financial companies have developed fast supported by national policy. Now they have become the most popular subsidiary policy for the enterprise groups and an unassailable power of China's non-banking financial institution system. According to the statistics of the Committee of China's Financial Company, by the end of 2003, there have been 75 financial companies (including a foreign-invested enterprise), which are the most balanced in the financial institutions. The total assets of biggest financial company have counted for 100 billion yuan by now. The total assets of enterprise groups establishing financial companies add up to 4500 billion yuan, accounting for almost 1/3 of the gross national assets. And those enterprise groups are distributed widely in the most pivotal industries and holding the balance of GDP.At the same time, our financial companies are just underway, by contrast with those of the foreign countries. There are two types of our financial companies: Cashier and Auto Financing. Both of these two types are dropped far behind by those of the foreign countries. Because ours are deficient in born, the government must give them great support in policy and they must take upon themselves innovating, if ours hope to win only after theirs had won,As E-commerce is applied and advancing, the enterprise groups and theirsubordinates ask more for fund management; and meanwhile, enterprise E-bank, which provides convenient and safe service for group consumers, emerges as the times require. E-bank is able to collocate the group's resource more economically. Our financial companies should catch this chance setting up their own E-banks and provide more perfect financial service for the groups.Although the benefit of financial companies is more and more obvious, and the spring-up of E-banks is just in the ascendant, it is not so projecting yet for the E-bank's functions of the financial company. As a new financial phenomenon, the E-bank of financial company ought to be paid enough attention for and be demonstrated in relevant theories. The researchers should bring forward constructive suggestions.The financial company's E-bank increases the technological difficulties of the financial company's risk management. The technological risk control of the financial company's E-bank depends on, to the great extent, the advanced supervisors' risk consciousness and the advanced level of the security technology applied by the financial company. Of course, the technological risk control depends on the management level and the internal control capabilities of the financial company. So the risk management of the financial company's E-bank must take into account both traditional and technological financial risks, which is the brand-new challenge the financial company must face after the E-bank is set up.In this article, firstly, the author discusses in detail how and why the financial company needs to establish the E-bank. Secondly, the author discusses in detail the way the financial company's E-bank optimize the resource collocation for the enterprise group. Thirdly, the author tries to analyze the risk management of the financial company's E-bank. Then the author discusses the feasibility of the E-bank's internet system. At last, the author brings forward the relative policy suggestion about the employment and management of the financial company's E-bank.